Roofing MCA qualification: (1) 6+ months in business; (2) $8,000+ average monthly deposits; (3) 500+ FICO score. Roofing underwriting weighs deposit consistency and monthly revenue more heavily than credit score. Storm-dependent revenue spikes are averaged over 6–12 months.
Roofing Guide
Storm deposits inflate your advance capacity. The trap: daily payments don't stop when storm season ends. Understand how underwriters see roofing — before you apply.
Roofing Funding Center
Underwriters calculate your advance as a percentage of average monthly deposits. When storm season deposits are 5–10x your normal baseline, this creates an artificially inflated average that drives a much larger advance than your off-season cash flow can support.
| Scenario | 3-Month Avg | Advance Offered | Off-Season Daily Capacity |
|---|---|---|---|
| 3 storm months ($180K avg) | $180,000 | Up to $270,000 | $8,000/mo ÷ 22 = $364/day |
| Daily payment on that advance | $1,800–$2,400/day — 5–7× what you can cover in January | ||
Most MCA underwriters do not specifically analyze off-season sustainability for roofing contractors. They apply their standard 75–150% multiplier to your 3-month average and offer you whatever that produces. It is your responsibility to run the off-season check yourself.
| Off-Season Check | Safety Assessment | Action |
|---|---|---|
| Daily payment ≤ 50% of off-season avg daily | Safe | Accept the offer |
| Daily payment 50–80% | Tight | Accept with reserve fund in place |
| Daily payment 80–120% | Dangerous | Negotiate smaller advance; explain to funder |
| Daily payment > 120% | Default risk | Do not accept this size advance — counter-offer or decline |
Insurance-approved roofing jobs in your pipeline represent confirmed near-term revenue. This is one of the most powerful supporting documents a roofing contractor can provide — it tells the underwriter your revenue is committed and contracted, not dependent on new storm events.
| Pipeline Evidence | Underwriter Value | Rating |
|---|---|---|
| Signed contracts + ACV approval letters on file | Strongest forward signal — revenue is locked | Excellent |
| Supplement approvals pending with signed contracts | Strong — supplements predictably increase total | Good |
| Verbal adjuster approvals, no paperwork yet | Weak signal — not considered in underwriting | Weak |
| No documentation — prospecting in progress | Advances based on history only, no pipeline credit | None |
| NSF Pattern | Impact | Rating |
|---|---|---|
| 0 NSFs | Cleanest profile — best rates available | Excellent |
| 1–2 NSFs in storm month (high-volume, high-expense) | Often explained; minor rate impact | Acceptable |
| NSFs in off-season months | Pattern concern — cash management issue | Flag |
| 3+ NSFs any month | Significant rate increase or decline | Critical |
For roofing contractors, stacking is especially dangerous because every daily ACH continues through the off-season. A roofer with 2 active MCAs totaling $1,500/day in daily payments who enters November with $10K/month in deposits will fail within 30–45 days of off-season arrival.
| Active Positions | Off-Season Risk Level | Rating |
|---|---|---|
| 0 positions | None — full capacity available | Best |
| 1 position — off-season sustainable | Low — if daily ≤40% of off-season daily deposits | Acceptable |
| 1 position — tight off-season | High — daily payment may fail in slowest months | Risky |
| 2+ positions | Near-certain default risk entering off-season | Critical |
Apply during storm season with pipeline documentation. Always verify off-season sustainability before accepting.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
What does a roofing company need to qualify for MCA?
Roofing MCA qualification: (1) 6+ months in business; (2) $8,000+ average monthly deposits; (3) 500+ FICO score. Roofing underwriting weighs deposit consistency and monthly revenue more heavily than credit score. Storm-dependent revenue spikes are averaged over 6–12 months. Roofing companies with hail-season revenue peaks should time their MCA applications to align with peak deposit months for best qualification results.
Does a roofing company need workers' comp and general liability to qualify for MCA?
MCA funders typically do not verify insurance as a condition of approval. The advance is based on revenue, not operational credentials. However, some commercial job contracts require proof of insurance before you can begin work — maintaining coverage is a business requirement independent of MCA qualification.
Can a storm chaser or new roofing company get MCA?
Storm chasers and newer roofing companies (6–18 months in business) can qualify with consistent bank deposits. The challenge for storm-dependent businesses is deposit variability — a 3-month bank statement can look very different before and after a major storm event. Underwriters may average 6–12 months of deposit history for storm-sensitive businesses. 12+ months of history dramatically improves qualification and rate.
How much can a roofing contractor typically access through MCA?
Roofing advance amounts: typically 75–125% of average monthly deposits, from $10,000 to $500,000+. A roofing company averaging $45,000/month in deposits can typically qualify for $45,000–$60,000 in first-position advance. Commercial roofing companies with larger contract volumes qualify for proportionally larger amounts. Material-intensive jobs (commercial flat roofing) that require significant upfront material purchase benefit most from larger advance amounts.
